About Credit Reports

In years past, credit was much more personal than it is today. In those days, bankers actually knew their customers and made credit decisions based on personal knowledge and information from other members of the local community. Today, the world of finance is largely impersonal so creditors depend on credit reports to get the information about you that they need. Since the information reported about you in your credit report can be important, you have a legal right to a copy of your report. Here’s how to get copies: The following national credit reporting agencies will have a file on you:

Equifax Information Services, LLC
P.O. Box 740241
Atlanta, GA 30374-0241
1-800-685-1111
http://www.credit.equifax.com

Trans Union, LLC
Consumer Disclosure Center
P.O. Box 1000
Chester, PA 19022
(800) 888-4213
http://www.transunion.com

Experian (Formerly TRW)
P.O. Box 2104
Allen, TX 75013-2104
toll free (866) 200-6020
Deaf or Hearing Impaired: (800) 972-0322
http://www.experian.com

Should I ask for one report or all three?
Even though it requires more effort, we recommend that you request a report from each credit reporting agency. Here’s why: Experian, Equifax and Trans Union are three entirely different companies. To compile your report these agencies contact various companies that you deal with. But all of them don’t necessarily contact the same companies. That’s why you need a copy of all three of your credit reports to make sure they are all reporting accurate information about you. Also, It is VERY LIKELY that there is a mistake on one or all of your credit reports. These mistakes or inaccuracies impact millions of Americans and can have a very negative impact on your credit – even though the information reported is not accurate. For example, it is not uncommon to fine someone else’s negative information in your credit file just because you have the same or similar names. If you find inaccuracies on your credit report, you can take immediate steps to correct your report.

Looking for Free Credit Report?
Sometimes, in cases where you have been denied credit, you may be entitled to a free credit report. It is more likely, however, that you will be charged a nominal fee. Whether you are requesting a free credit report or paying a small fee, it is important for you to know what is in your credit report, particularly if you are planning to take a large loan or mortgage. If you are looking for free information about your credit report or help with a debt problem, you should call us directly. Our counselors will be happy to discuss your current situation and help you make decisions about credit reports and other important matters concerning your credit. There is no charge to you for our service and no obligation to buy services as a result of our referral. Call us today at; (800) 583-2043 Or click here.